By default, Finta works in pass-through mode — when a sync runs, we fetch data directly from your bank or payment provider and push it to your destination. It works great, but Finta isn’t holding onto any of your data in between.
Storage mode changes that. When it’s on, Finta keeps a copy of your financial data on our end. That opens up a few things that aren’t possible in pass-through mode:
- API and MCP access — use the Finta API or connect Finta as an MCP tool for AI assistants and developer workflows
- Syncs keep running through bank errors — if a bank connection has an issue, your last-known data is already stored, so your destinations stay up to date
- Better uptime when providers are down — if your bank’s API has an outage, Finta can still serve your data instead of failing
What Finta stores
When storage mode is on, Finta maintains the following:
| What | Description |
|---|
| Bank connections | Your connected accounts and their status |
| Accounts | All of your accounts, including ones you’ve closed |
| Transactions | Your transaction history |
| Categories | Spending categories attached to your transactions |
| Securities | Instruments in your investment accounts |
| Holdings | Your current portfolio positions and investment activity |
Getting started
Turn storage mode on from Settings → Data. Finta will immediately start pulling in your history — you can watch the progress per connection on that page. Once the backfill is done, storage mode is fully active.
FAQs
How long does the initial sync take?
If you have a lot of history, it could take a few minutes. Head to Settings → Data for a real-time status update on each connection.
What happens when I turn storage mode off?
We delete all of your stored financial data from our database — transactions, holdings, categories, everything. Your bank connections and accounts themselves are not affected, so your destinations will still sync normally. We just won’t be holding a copy of your data anymore.
When we say delete, we mean it. There are no soft deletes. If you turn storage mode off and then back on again, Finta will start a fresh backfill from scratch.
What happens if I close my account?
Closing your Finta account automatically deletes all of your stored financial data as well. Same rule applies — it’s a hard delete, not an archive. 
